🎓 College Savings Plan (IUL)

An Indexed Universal Life (IUL) policy isn't just life insurance — it's a tax-advantaged wealth-building tool that can be used to help fund your child’s future college costs, without the restrictions of traditional plans like a 529.

While protecting your family with life insurance, you're also building liquidity, flexibility, and control over how that money is used.

• Tax-free growth & withdrawals (if structured properly)
   
• No penalties if not used for school
   
• Builds lifelong protection and wealth for your child
   
• Doesn’t count against FAFSA

• New parents who want to start early
   
• Families with multiple children
   
• Grandparents who want to create a lasting legacy
   
• Parents who don’t want to burden their child with student debt
   
• Families looking for more flexibility than traditional college plans offer
   

“We opened a College IUL when our daughter was 6. By the time she turned 18, we had enough to cover her tuition — tax-free — and we still had protection in place if anything happened to us.”

• No penalties if your child doesn’t go to college
   
• Access cash at any time for life events
   
• You stay in control — not the government or a school